IPDL'S/ Collections/FDCPA
Date: Fri, 10/09/2009 - 11:20
Did I get that acronym right? LOL. I'm dealing with a dbag collection agency- here's the sitch...They contacted me first on 9/28. Called me at work. I immediately got on their website and shot off an email to stop contacting me at work. The supposed VP of Operations (i bet) emailed me back and gave me an account number and told me that is for default on a loan to InstantCash. I filled said VP in that I was neither confirming or denying such loan but that any such internet loans were uncollectable and illegal per my State Laws. He came back with some bullmularkey about paying my bills and I signed the contract and just because I read something on the internet it doesn't make it true. Really?? Then he told me to sign into my account with InstantCash and the information on there would serve as validation. So my question is this- shouldn't I have received a letter not too long after they called me? I was waiting for one so that I could shoot off a DV letter but it never came. And shouldn't a real collection agency offer something other than telling me to sign into my account. He told me that he could get his "client" to accept a settlement of $315. However, I only owe $200 so no dice. I considered sending him another email with the actual email from the DFI but I doubt that would make a difference. I am not real familiar with the laws of collection but I can tell you that I won't be giving this CA a payment any time soon.
Thanks!
Thanks!
Did you make any payments to the IPDL before they send you to th
Did you make any payments to the IPDL before they send you to the CA?
Quote:Originally Posted by AnonymousDid I get that acronym right
Quote:
Originally Posted by Anonymous Did I get that acronym right? LOL. I'm dealing with a dbag collection agency- here's the sitch...They contacted me first on 9/28. Called me at work. I immediately got on their website and shot off an email to stop contacting me at work. The supposed VP of Operations (i bet) emailed me back and gave me an account number and told me that is for default on a loan to InstantCash. I filled said VP in that I was neither confirming or denying such loan but that any such internet loans were uncollectable and illegal per my State Laws. He came back with some bullmularkey about paying my bills and I signed the contract and just because I read something on the internet it doesn't make it true. Really?? Then he told me to sign into my account with InstantCash and the information on there would serve as validation. So my question is this- shouldn't I have received a letter not too long after they called me? I was waiting for one so that I could shoot off a DV letter but it never came. And shouldn't a real collection agency offer something other than telling me to sign into my account. He told me that he could get his "client" to accept a settlement of $315. However, I only owe $200 so no dice. I considered sending him another email with the actual email from the DFI but I doubt that would make a difference. I am not real familiar with the laws of collection but I can tell you that I won't be giving this CA a payment any time soon. Thanks! |
If they were any type of legit collection agency they would have sent you a dunning letter (letter of collection) in the mail within 5 days of their first initial contact with you. Them telling you to sign into your account for validation pretty much says it all. They are full of CRAP! Tell them to follow the FDCPA, and PLEASE file a complaint with the FTC about this so-called collection agency. PLEASE! The link is in my signature.
